Here is the tier that no one wants to think about, which is precisely why it comes this early. Water outages and sewer outages arrive together more often than people expect, and when they do, a toilet that will not flush becomes the household's dominant problem within about six hours. Not the most dangerous problem, at first. The dominant one, the one that shapes everyone's day, drives everyone's mood, and, if handled badly, becomes the mechanism by which illness moves through a house that cannot afford to be sick.
Sanitation is where preparedness marketing goes quiet, because there is nothing glamorous to sell. It is also where the disease burden of real disasters actually concentrates. After the earthquake, the hurricane, or the deep freeze that bursts the mains, the health threat to a sheltering household is rarely the hazard itself. It is the two weeks afterward with no water pressure, no waste collection, and diminishing hygiene. The entire tier costs less than a single mid-range water filter, and it addresses the failure that undoes households which prepared everything else.
Notice what the tier is built from: a bucket, bags, soap, and a jug with a spigot. Almost nothing here is specialized. The capability comes from having thought it through before the day you need it, which is a recurring lesson of this list. Some of its highest-value entries are arrangements rather than purchases.
The threshold
Your household can manage human waste and stay clean for two weeks with no water pressure and no waste collection.
Rough tier cost: $75 to $140.